Bankwest Breeze Mastercard Credit Card Review

Enjoy 0% p.a. interest rate on balance transfers for 24 months with the Bankwest Breeze Mastercard.

The Bankwest Breeze Mastercard is designed to offer convenience and flexibility when paying with plastic. After the 24-month promotional period expires, interest will revert to the standard variable balance transfer rate of 12.99% p.a. This card also offers up to 55 days interest-free on purchases if you pay your balance in full by the due date on each statement and free worldwide emergency card replacement.

Product NameBankwest Breeze Classic Mastercard
Balance transfer rate (p.a.)0% p.a. for 24 months with 2% balance transfer fee
Balance Transfer Revert Rate
The interest rate after the balance transfer ends.
Standard Balance Transfer Revert Rate (12.99% p.a.)
Balance Transfer Limit95% of available credit limit
Purchase rate (p.a.)12.99% p.a.
Annual fee$79 p.a.
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 55 days on purchases
Cash advance rate (p.a.)21.99% p.a.
Min credit limit
This is the lowest credit card limit that you can request. It is possible to apply for a higher credit card limit but not a lower one than this figure.
Card TypeMastercard
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
2.95% of transaction value
Complimentary Travel InsuranceNo
Minimum Age18 years of age
Available To Temporary ResidentsNo
Credit Rating RequirementGood
Joint ApplicationNo
Annual fee$79 p.a.
Minimum Monthly Repayment2% or $20, whichever is greater
Late Payment Fee$25
Cash Advance Fee2% of transaction amount or $4 (whichever is greater)
Overseas Cash Advance Fee2% of transaction amount or $4 (whichever is greater)
Overseas ATM Withdrawal Fee$0
Foreign Currency Conversion Fee
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You'll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
of transaction value
Gambling Transactions AllowedNo
Additional Cardholder Fee$0
Number of Additional Cardholders3


  • Enjoy 0% p.a. on balance transfers for 24 months.
  • This card offers a low ongoing rate of 12.99% p.a. on purchases.
  • This card also comes with a low annual fee of $79.
  • You're allowed up to 3 additional cardholders at no extra charge.


  • There is no rewards program linked to this card.
  • A one-time 2% balance transfer fee applies.

Bankwest Breeze Mastercard review

The Breeze Mastercard is a low rate credit card that features a standard variable purchase rate of 12.99% p.a., an introductory balance transfer offer and a competitive standard annual fee of $79.

As a Mastercard product, you can use the Bankwest Breeze at millions of locations around the world and online, anywhere Mastercard is accepted. If you meet the eligibility requirements, you may upgrade to the Bankwest Breeze Platinum Mastercard and take advantage of premium benefits including complimentary international credit card travel insurance, 0% foreign transaction fees and a concierge service.

Benefits of the Bankwest Breeze Mastercard

  • Balance transfer offer. The Bankwest Breeze Mastercard comes with an introductory rate of 0% p.a. for 24 months on balance transfers, with a one-time 2% balance transfer fee. After the introductory period, the interest rate on any outstanding transferred balance will revert to the standard balance transfer rate.
  • Interest-free days. You can enjoy up to 55 days interest-free on purchases, if you pay the balance in full by the due date on each statement. Interest-free days do not apply while you carry a balance transfer.
  • Free worldwide emergency replacement. If your card is lost or stolen, Bankwest can arrange an emergency replacement at no additional cost.
  • Eligible for Google Pay. The Google Pay feature allows Bankwest cardholders to tap and go at the checkout with their Android device.

Features of the Bankwest Breeze Mastercard

  • Annual fee. This card has an annual fee of $79.
  • Low purchase rate. This card has a low ongoing variable interest rate of 12.99% p.a. for purchases.
  • Cash advance fee. 2% of transaction amount or $4 (whichever is greater) is charged if you use your card for a cash advance transaction, such as withdrawing money from an ATM.
  • Cash advance interest rate. This card charges a standard variable cash advance rate of 21.99% p.a. that's applied from the time a cash advance transaction is made.
  • Get a supplementary card for a family member. You can request up to 3 additional cardholders for $0 each. Note that supplementary cardholder applications are subject to approval. The primary cardholder will still be responsible for keeping the account in good standing.
  • Security. This card offers chip-and-PIN security and a Zero Liability Policy against fraudulent transactions to help you shop with peace of mind.
  • PayPass technology. This is a Mastercard credit card enabled with contactless technology. You can tap your Bankwest Breeze Mastercard against a contactless terminal for purchases under $100 with no need to enter your pin.

How to apply for the Bankwest Breeze Mastercard

You can apply for the Bankwest Breeze Mastercard online in around 15 minutes by clicking the "Go to site" button. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation on hand to speed up the application process.

Eligibility criteria

  • Age. You must be at least 18 years of age.
  • Residency. You must be a permanent Australian resident or citizen.
  • Credit rating. You must have a good credit rating

Required documents

  • Personal information. This includes your full name, date of birth, residential address, email address and contact number.
  • Identification. You'll need to provide details of two of the following forms of identification: passport, driver’s licence or Medicare card.
  • Employment details. This includes your role, the length of your employment and your employer's contact details.
  • Financial information. This includes details of your income, expenses and any existing debts or assets.

After you have completed your application, you'll get a response from Bankwest within a few minutes. If you're approved, you may then be asked to verify your ID and provide supporting documents to Bankwest, which can be done in-store by simply having the necessary documents sighted and verified and sent across by a branch representative. After that, your application can be completed and you'll receive your new card.

The low ongoing purchase rate of 12.99% p.a. (variable) and the introductory balance transfer rate offer make the Bankwest Breeze Mastercard an affordable low rate option. As there are many low rate and balance transfer cards available, make sure you compare a range of options so that you can find the right card for you.

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50 Responses

  1. Default Gravatar
    MatthewSeptember 6, 2017

    I am an Australian citizen but have been living and working in New Zealand for the past year, can I still apply for an Australian credit card? Will my current overseas address and income details still be valid for an application?

    • Staff
      MaySeptember 8, 2017Staff

      Hi Matthew,

      Thank you for your inquiry.

      Most credit card issuers would require their applicants to be Australian resident or citizen with a valid physical address in Australia. You’d be best to directly contact the bank first to confirm your eligibility before you apply for a credit card.


  2. Default Gravatar
    sallyFebruary 1, 2016

    Hi what does the 2% transfer fee on balance transfers mean?


    • Staff
      YsaFebruary 1, 2016Staff

      Hi Sally,

      Good afternoon and thanks for your question.
      The 2% fee is charged by the credit card issuer when transferring a balance from one account to another.


  3. Default Gravatar
    KerryJune 9, 2015


    If I get a cash advance on my BankWest card will the cash advance (with the higher interest rate) be paid before the previous purchases are paid.

    Kind Regards,

    • Staff
      JonathanJune 10, 2015Staff

      Hi Kerry, thanks for your inquiry!

      That is correct, the repayments to a credit card are allocated to the portion of debt which has highest rate of interest first then to the second highest rate of interest and so forth.



  4. Default Gravatar
    RonnieDecember 19, 2013

    I cant seem to find an apply now link. Has the offer expired for the Bankwest Breeze MasterCard? I received the offer on the 12th December.

  5. Default Gravatar
    JeffDecember 18, 2013

    Hi my wife and I currently have a Westpac MasterCard that is quite high and attracting a huge amount of interest. The card is in her name, can I still do the balance transfer if I get your card under my name?

    • Staff
      JacobDecember 18, 2013Staff

      Hi Jeff.

      Please have a look at the table on this page. It has information on the institutions that allow you to transfer between two cards in different names under a balance transfer promotion.

      Thanks for your question.

  6. Default Gravatar
    karenDecember 16, 2013

    Hi i applied on line and was approved however Bankwest advised that the deal is 2.9% for 9 months balance transfer and there is no deal available as per your web site 0% for 12 months

    What do I do now?

    • Staff
      JacobDecember 16, 2013Staff

      Hi Karen.

      Did you contact Bankwest to confirm the terms of the offer or did they contact you? In most cases, the call centre staff are not aware of the exclusive offers partner websites, like, have in place with the lender.

      However, if you were contacted by Bankwest with a confirmation of the terms of your offer (with a balance transfer promotional term of nine months), then there has been a mistake with your application. I can confirm that if you applied through out site, you will be eligible for a balance transfer promotion of 0% for 12 months.

      Let us know if you’re having issues with this and we should be able to work something out.


  7. Default Gravatar
    LaksDecember 10, 2013


    i was filling in the online application form for this by going through the link provided here, but i couldn’t find any place in the application form to enter balance transfer details. i called bankwest on their general number and i was told that balance transfer is processed after the application is approved and so i don’t need to mention the balance transfer at this stage. But i am a bit confused because i can see one of your replies to a user query below saying that there is a box i need to tick to mention the balance transfer credit card details in the financial details page. why cant i see this in my online application form? is this offer has expired now?

    thank you,

    • Staff
      JacobDecember 11, 2013Staff

      Hi Laks.

      Thanks for getting in touch with us about your application for the card.

      On the page of the application where it asks you if you to enter the details of your existing credit cards, charge cards etc. enter the details of the accounts you wish to transfer from. You also have the option of keeping your old accounts open or closing them. If you’re approved for a card, you will be contacted by Bankwest with an offer of an approved credit limit. They will also ask you if you would like to transfer a balance from your existing cards. You can transfer up to a percentage of your approved credit limit.

      I hope this helps.

  8. Default Gravatar
    LaksDecember 8, 2013


    Is there a balance transfer fee applicable for the balance transfers made to this Bank west Breeze MasterCard?


    • Staff
      JacobDecember 9, 2013Staff

      Hi Laks.

      Thanks for your question.

      There is currently no fee for transferring a balance to this card.

      I hope this helps.

  9. Default Gravatar
    KylieDecember 7, 2013

    Can you apply for this if you are already a Bankwest customer and have a lite Bankwest MasterCard which you would like to transfer to this card. If not I will take the Westpac deal. Thank you

    • Staff
      JacobDecember 9, 2013Staff

      Hi Kylie.

      Thanks for your question.

      You can’t transfer a balance from one Bankwest credit card to another card offered by Bankwest under the promotional balance transfer rate of interest. You can still apply for this card; however, you will not be eligible for the promotional balance transfer rate of interest if you’re transferring a balance from a Bankwest credit card.

      You can compare balance transfer offers on this page.

      I hope this helps.

  10. Default Gravatar
    ThomasDecember 6, 2013

    You have asked me for details about myself and then informed me that your email is not secure. Please provide me with your FAX number.

    • Staff
      JacobDecember 6, 2013Staff

      Hi Thomas.

      Thanks for your question. You can send your papers to Bankwest on this fax number: 1300 765 515.

      I hope this helps.

Credit Cards Comparison

Rates last updated February 24th, 2018
Name Product Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee Product Description
American Express Velocity Escape Card
20.74% p.a.
0% p.a. for 12 months with 1% balance transfer fee
$0 p.a.
Receive a bonus 12,500 Velocity Points, pay a $0 annual fee for life and take advantage of a 0% p.a. for 12 months balance transfer offer.
NAB Premium Card - Exclusive Offer
19.74% p.a.
0% p.a. for 25 months
$90 p.a.
Exclusive to, enjoy a 0% BT fee, 0% balance transfer offer for 25 months and seven complimentary insurance covers.
St.George Vertigo Platinum - Online Offer
12.74% p.a.
0% p.a. for 24 months
$99 p.a.
Platinum card benefits including complimentary insurance, plus 0% p.a. for 24 months on balance transfers (with no BT fee). Ends 28 February 2018.
Westpac Low Rate - Online Offer
13.49% p.a.
0% p.a. for 30 months with 2% balance transfer fee
$0 p.a. annual fee for the first year ($59 p.a. thereafter)
Take advantage of 0% p.a. for 30 months on balance transfers with a 2% balance transfer fee when you apply online by 28 February 2018.

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* The credit card offers compared on this page are chosen from a range of credit cards has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your own personal financial circumstances when comparing cards.

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